Supervisory Ratings: Proposed Revisions to the Uniform Financial Institutions Rating System

OCC Bulletin 2026-22

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May 19, 2026

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To
Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties

The Federal Financial Institutions Examination Council today invited public comment on proposed revisions to the Uniform Financial Institutions Rating System, commonly known as the CAMELS rating system, to focus ratings on material financial risk and improve the transparency of ratings. Comments on all aspects of the proposed revisions are due 90 days after publication of the proposed revisions in the Federal Register.

Note for Community Banks

The proposed revisions to the CAMELS rating system would apply to all national banks and federal savings associations.

Highlights

The proposed revisions to the CAMELS would

strengthen the link between ratings and a financial institution’s safety and soundness by focusing ratings on material financial risks.

retain the basic framework of the existing rating system while modifying the composite and component rating definitions and evaluation factors.

Background

The CAMELS rating system evaluates the safety and soundness of financial institutions, assessing six components: capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. An institution is assigned a rating for each component and a composite rating.

Further Information

Please contact the Office of the Chief National Bank Examiner at (202) 649-5420.

James M. Gallagher
Senior Deputy Comptroller and Chief National Bank Examiner

Related Link

FFIEC Press Release, “Agencies Request Comment on Financial Institutions Rating System”

Topic(s):

Uniform Rating Systems